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Journal articles on the topic 'Lapsation'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Mrs. A. Siva Naga Lakshmi and Dr. P. V. Mohini. "An Empirical Study on the Review of Literature on Factors Determining Lapsation of Insurance Policies." Economic Sciences 20, no. 2 (2024): 01–07. http://dx.doi.org/10.69889/8f96mk32.

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Economic conditions or financial hardships may lead to the lapsation of the insurance policy. Policyholders may prioritize their expenses and postpone the payment of premiums to the insurance premium. Lapsation has significant consequences including loss of coverage, premiums, and coverage in the future. The different researchers have identified various reasons for the lapsation. The current study focuses on the review of the literature about the factors influencing lapsation and a hypothetical study about the factors.

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2

Velmurugan, R., M. Kalimuthu, S. Karthik, Maksud A. Madraswale, K. Srivignesh Kumar, and M. Prakash. "A Study on Lapsation of Insurance Polices of Select Insurance Companies." International Journal of Professional Business Review 8, no. 6 (2023): e02688. http://dx.doi.org/10.26668/businessreview/2023.v8i6.2688.

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Purpose: Lapsation is the discontinuation of payment of premia for reasons other than the death of a policy holder. A majority of insurance companies notice that half of their policyholders do not pay their insurance premia regularly leading to an increase in lapsation of policies. Increase in lapsation not only affects the policyholders’ welfare but also insurance companies’ business growth. So, the present study was carried out to determine where lapsation rate is high and to offer solutions to reduce the rate of lapsation. Design/Methodology/Approach: The present study is descriptive in nat

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3

Koijen, Ralph S. J., Hae Kang Lee, and Stijn Van Nieuwerburgh. "Aggregate lapsation risk." Journal of Financial Economics 155 (May 2024): 103819. http://dx.doi.org/10.1016/j.jfineco.2024.103819.

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4

Jeewanthi, K. B. I., and S. L. Sudasinghe. "Factors Affecting Lapsation of Life Insurance Policies in Sri Lanka: Special Reference to Matara District." Sri Lanka Journal of Management Studies 6, no. 2 (2025): 60–78. https://doi.org/10.4038/sljms.v6i2.122.

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Long-term insurance companies operate in Sri Lanka's insurance industry, offering various kinds of insurance products. Customers have a vast range of choices, and they have become more powerful decision-makers in the market. Also, this study will help to solve the existing problems in life insurance plans and create high recognition in the field. So that, it is more important to identify the key factors affect the lapsation of life insurance policies. To achieve this goal, questionnaires were distributed among 97 employees who are life insurance policyholders in Matara District. Data was colle

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5

LAKSHMI. ALLURI, Mrs SIVA NAGA, and Dr P. V. MOHINI. "A STUDY ON CAUSES OF LAPSATION FROM THE INSURANCE POLICYHOLDER PERSPECTIVE OF VIJAYAWADA CITY." International Journal of Management Studies and Social Science Research 06, no. 02 (2024): 24–31. http://dx.doi.org/10.56293/ijmsssr.2024.4903.

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The human experience is replete with many hazards and uncertainties. One effective approach to mitigating the impact of these risks and losses is to get insurance coverage. Insurance plays a significant role within the financial sector of the Indian economy. Life insurance has emerged as an essential component of the human existence. As it is the essential all the earning people are approached to buy the policy, but as life transforms so many factors are influencing them to not to pay the premium and that leads to lapsation. If the rate of lapsation is huge its impact on financial health of th

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6

Nurul Hazwany Shamsuddin, Siti Aida Sheikh Hussin, Zalina Zahid, and Noor Asiah Ramli. "Lapsation Risk: Takaful Operators In Malaysia." Applied Mathematics and Computational Intelligence (AMCI) 12, no. 3 (2023): 51–60. http://dx.doi.org/10.58915/amci.v12i3.321.

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Insurance serves as a tool for risk management. Takaful is an Islamic insurance where the concepts of mutual cooperation (ta’awun) and donation (tabarru’) are used as the main pillars. Apart from the usual market and credit risk, lapsation risk is one of the main risks faced by a life insurer. It is important to determine factors that may influence policy lapsation as it could affect the solvency and the profitability of insurance or a Takaful operator. Therefore, the relationship between surrender rates and economic variables (Unemployment Rate, Real Interest Rate, Growth Domestic Product (GD

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7

Dr., Maxwell Dela Yao Gakpo, Dufie Achampong-Kyei Mame, Aaron Issa Anafure Dr., and Richard Mensah Reichmann Dr. "Corporate Strategies for Addressing Life Insurance Purchase Decisions in Ghana." Journal of Economics, Finance And Management Studies 08, no. 02 (2025): 832–46. https://doi.org/10.5281/zenodo.14835749.

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This study explores corporate strategies for addressing customer behaviour in purchasing life insurance coverage in Ghana, focusing on factors influencing purchase decisions, reasons for policy lapsation, and effective marketing strategies to enhance consumer engagement. This study employed a qualitative research approach, collecting data primarily through in-depth interviews. The findings revealed that income levels, guaranteed protection, and assured coverage are key drivers of life insurance purchases. Conversely, economic and social challenges such as unemployment, job loss, rising premium

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8

Guillen, Montserrat, Catalina Bolancé, Edward W. Frees, and Emiliano A. Valdez. "Case study data for joint modeling of insurance claims and lapsation." Data in Brief 39 (December 2021): 107639. http://dx.doi.org/10.1016/j.dib.2021.107639.

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9

Jones, Bruce L. "A Model for Analyzing the Impact of Selective Lapsation on Mortality." North American Actuarial Journal 2, no. 1 (1998): 79–86. http://dx.doi.org/10.1080/10920277.1998.10595677.

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10

Mall, Sunita, and Seshadev Sahoo. "Determinants of lapsation of life insurance policies: an empirical investigation for the Indian market." International Journal of Financial Services Management 8, no. 2 (2015): 133. http://dx.doi.org/10.1504/ijfsm.2015.074154.

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11

James L T Thanga and Ashley Lalremruati. "Agent’s roles and perspectives of life insurance market in North-East India." Scientific Temper 15, no. 03 (2024): 2839–45. http://dx.doi.org/10.58414/scientifictemper.2024.15.3.54.

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The study explores the roles and perspectives of life insurance agents as they are the dominant channel for distribution of policies. It uses qualitative primary data collected from 13 veteran agents and 4 managers of LIC in North-Eastern states using a semi-structured interview schedule. The main focus of the interview was to obtain extensive information regarding their experience as life insurance agents, with clients and with the company LIC itself. Assam has the most vibrant life insurance market, with better awareness and penetration across varying occupations and geographical areas. The

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12

Shamsuddin, Siti Nurasyikin, Noriszura Ismail, and Nur Firyal Roslan. "What We Know about Research on Life Insurance Lapse: A Bibliometric Analysis." Risks 10, no. 5 (2022): 97. http://dx.doi.org/10.3390/risks10050097.

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A lapsed policy is an insurance policy that has become inactive due to non-payment of premiums. The word “lapse” is an insurance topic that constantly evolves, proven by the recent increase in publications on this topic. The study explores the life insurance lapse decision through a comprehensive bibliometric analysis throughout the years, concentrating on publication trends; co-authorship networks among countries, authors, and scientific journals; and the field’s evolution. The research is based on the Scopus database. Ultimately, 178 documents were retrieved and analysed, demonstrating incre

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13

Koijen, Ralph S. J., Hae Kang Lee, and Stijn Van Nieuwerburgh. "Aggregate Lapsation Risk." SSRN Electronic Journal, 2022. http://dx.doi.org/10.2139/ssrn.4141196.

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14

Koijen, Ralph S. J., Hae Kang Lee, and Stijn Van Nieuwerburgh. "Aggregate Lapsation Risk." SSRN Electronic Journal, 2022. http://dx.doi.org/10.2139/ssrn.4147257.

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15

Mulholland, Barry S., and Michael S. Finke. "Cognitive ability impact on life insurance lapsation." Financial Services Review 31, no. 1 (2023). http://dx.doi.org/10.61190/fsr.v31i1.3196.

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   Life insurance is an important household risk management and financial tool. Policy lapsation has economic effects on life insurance companies, policyholders, and beneficiaries that may be detrimental when these lapses are unexpected. Prior literature examined several hypotheses of life insurance lapse focusing mainly on macroeconomic factors using aggregate data and household microeconomic factors using household-level data. We introduce and test individual cognitive ability variables in a model of the life insurance voluntary lapse decision by individual policyholders us

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16

Bhatia, Ritika, Anil K. Bhat, and Jyoti Tikoria. "Role of policyholders’ beliefs in life insurance lapses: a model building approach." Qualitative Research in Financial Markets, September 23, 2024. http://dx.doi.org/10.1108/qrfm-08-2023-0197.

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Purpose This study aims to understand the lapse behavior of life insurance policyholders. Despite being accessible for nearly two centuries, only a small fraction of individuals purchase such policies and many of those who do let them lapse. The belief hypothesis model (BHM) is introduced to elucidate the correlation between policyholders' beliefs and their decisions regarding life insurance lapses. Design/methodology/approach BHM establishes a comprehensive linkage between core beliefs, external data and the lapse behavior exhibited by policyholders. To derive policyholders’ core beliefs abou

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17

Gakpo, Dr Maxwell Dela Yao, Mame Dufie Achampong -Kyei, Dr Aaron Issa Anafure, and Dr Richard Mensah Reichmann. "Corporate Strategies for Addressing Life Insurance Purchase Decisions in Ghana." Journal of Economics, Finance And Management Studies 08, no. 02 (2025). https://doi.org/10.47191/jefms/v8-i2-11.

Full text

Abstract:

This study explores corporate strategies for addressing customer behaviour in purchasing life insurance coverage in Ghana, focusing on factors influencing purchase decisions, reasons for policy lapsation, and effective marketing strategies to enhance consumer engagement. This study employed a qualitative research approach, collecting data primarily through in-depth interviews. The findings revealed that income levels, guaranteed protection, and assured coverage are key drivers of life insurance purchases. Conversely, economic and social challenges such as unemployment, job loss, rising premium

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18

Mulholland, Barry S., and Michael S. Finke. "Does Cognitive Ability Impact Life Insurance Policy Lapsation?" SSRN Electronic Journal, 2014. http://dx.doi.org/10.2139/ssrn.2512076.

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19

GIRI, MANOHAR, and Devlina Chatterjee. "Life Insurance Purchase Motives, Policy Choice and Lapsation: A case of Mis-selling?" SSRN Electronic Journal, 2024. http://dx.doi.org/10.2139/ssrn.4921933.

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20

Dr., Rakesh Patidar, and Dheeraj Negi Dr. "A REVIEW OF LITERATURE ON AGRICULTURE INSURANCE IN INDIA." November 30, 2017. https://doi.org/10.5281/zenodo.6923043.

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The concept of review is to revisit the previous work done on a subject to enhance learning and give a deeper insight to the researcher on the current study. The review of literature not only presents the facts but also leads into various issues and future work which can be done to enhance the subject of research. So in this direction this research tries to systematically review important available literature on Agriculture insurance. Since Agriculture insurance is a vital risk tool to mitigate the extreme events in Agriculture cycle of an individual in terms of economic value. This study trie

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